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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

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Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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Travel Guard Insurance Review: Is It Worth the Cost?

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Table of Contents

What is Travel Guard travel insurance?

What does travel guard cover, travel guard policy overview, what’s not covered by a travel guard travel insurance plan, how travel guard travel insurance compares to its competitors, how much is travel guard travel insurance, how to buy a travel guard travel insurance policy, which travel guard travel insurance plan is best for me, does travel guard travel insurance offer 24/7 travel assistance, how to file a claim with travel guard travel insurance, is travel guard travel insurance worth it, travel guard travel insurance recapped, star rating methodology.

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard travel insurance is a great option for last-minute travelers. There are four plans from which to choose. Costs are reasonable, and plans allow more customization than you'd normally find on travel insurance policies.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Travel Guard offers a variety of plans for prospective customers, including plans oriented toward sports enthusiasts, last-minute travelers and those looking to save money.

Policies issued by Travel Guard are underwritten by National Union Fire Insurance Company of Pittsburgh. According to insurance rating firm AM Best, National Union Fire Insurance Company has a Financial Strength Rating (FSR) of A (excellent). This means it’s unlikely to default on any payments.

Travel Guard travel insurance coverage has a lot of variety. Depending on which plan you pick — Essential, Preferred, Deluxe or Pack N' Go — you’ll have trip protections and some medical coverage.

Generally speaking, here is what to expect when purchasing a Travel Guard policy:

Trip interruption and trip cancellation : These coverages can reimburse you for nonrefundable expenses that you’ve already paid in the event that your trip is canceled or interrupted. Trip cancellation protection is not included in the Pack N' Go plan.

Travel Guard health insurance coverage : This health insurance coverage can pay for costs associated with emergency medical services during your trip.  

Trip delay : Trip delay can cover expenses such as food and accommodation in the event your travel is delayed.

Emergency evacuation : If you need medical care at another facility and need to be evacuated, emergency evacuation can cover the costs. 

Baggage insurance : Baggage insurance includes coverage for lost and delayed luggage, and can reimburse you for the cost of replacing lost items or purchasing new ones in the event of a delay. 

Travel Guard's policies have a broad array of inclusions. It offers three comprehensive single-trip plans that can be customized to meet your travel needs. It also offers a plan designed for last-minute trips that focuses on post-departure coverage — this plan is much more affordable, but offers fewer protections.

The company also offers an annual travel insurance plan if you travel frequently and want year-round protection.

Add-on options

The types of add-ons you can include will vary based on your plan but can include:

Quarantine coverage. 

Adventure sports.

Boarding and medical expenses if your pet gets sick.

Wedding cancellation.

Inclusion of a family member for coverage. 

Cancel For Any Reason (CFAR).

Rental car insurance . 

Medical coverage upgrade.

Evacuation for non-medical reasons. 

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

Travel Guard offers plenty of options when it comes to customizability, which is great for those who need additional coverage. For example, most insurance policies automatically exclude adventure sports. The same is true for Travel Guard, unless you add on the adventure sports bundle.

You’ll want to be aware that all three of Travel Guard’s comprehensive plans will cover pre-existing conditions. However, the Pack N’ Go plan does not.

Here’s what else isn’t covered:

Coverage for trips paid for with frequent flier miles or loyalty rewards programs : Travel Guard will only protect the trips you pay for with cash. If you’re redeeming your points for that bucket list trip, you unfortunately won’t qualify for coverage.

Baggage loss for eyeglasses, contact lenses, hearing aids or false teeth: These items should be kept with you in your carry-on as a general rule, so they won’t be covered by a Travel Guard policy.

Known events : If you knowingly book a trip with some inherent risks, it won’t be covered. For example, once the National Weather Service issues a warning for a hurricane, it becomes a known event.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

A sample trip for a 36-year-old traveler from Indiana to Canada for 5 days showed that the cheapest Travel Guard plan cost $135. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $236.

When looking across multiple providers, the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Travel Guard travel insurance cost? Travel Guard’s travel insurance cost has quite a big spread based on the plan you select.

We generated a quote for a 34-year-old traveler from California heading to Japan for a week, with a total trip cost of $2,700. Here’s how pricing shook out.

A reminder that the Pack N' Go plan is designed for spontaneous trips, so it has less protections for trip cancellation. It also doesn't include the option to get a pre-existing conditions waiver.

Like most travel insurance companies, Travel Guard travel insurance costs much more when you add in greater trip protection benefits.

If you’d like to buy a Travel Guard insurance plan, your best bet is to do so online. The process is simple and efficient and can be done in a matter of minutes. First, you’ll want to head to Travel Guard’s homepage . You’ll be prompted to fill out some personal information to create a quote, including:

Dates of travel.

Destination country.

State of residence. 

When you first made a payment for your trip.

Trip cost. 

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Travel Guard, you can use a travel insurance aggregator to compare policies across multiple companies at once.

To decide which Travel Guard plan is best for you, you’ll want to consider what kind of trip you’re taking.

Look at coverage details

If you don’t need coverage for trip cancellation, Pack N’ Go is significantly cheaper than other options but still provides emergency medical, trip interruption and baggage insurance.

If you’d like to have as much choice as possible, the Deluxe plan offers lots of add-ons, so you can select the ones that fit your needs.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

» Learn more: How to find the best travel insurance

Yes, Travel Guard provides 24/7 travel assistance. These folks can help you with issues such as finding an English-speaking doctor, helping you after you’ve missed a connection, replacing a lost passport and more.

To reach these services, call 800-927-4357.

If you need to file a claim with Travel Guard, you can either do so online or via phone. The phone number is 866-478-8222.

Online, you can head directly to Travel Guard’s claim form . You’ll need to have your policy number on hand as well as any documentation that you have.

Is Travel Guard travel insurance good? With a variety of plans from which to choose — including one that is significantly cheaper than the others — it’s easy to justify purchasing a Travel Guard policy. To decide whether it’s worth it for you, you’ll want to look at the different policy limits and see which fit your needs.

You’ll also want to do some research; some credit cards offer complimentary travel insurance, which may mean you don’t need to buy a policy at all. Some health insurance plans also offer coverage when you’re overseas , so be sure to ask your insurance provider.

If you’re already at the airport (or on a connection) and your flight is canceled, you may have coverage via trip delay insurance. This coverage can help repay costs such as food, lodging and toiletries.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim online .

The medical insurance offered by Travel Guard is primary; otherwise, you’ll want to check your plan documents to see which coverages are primary versus secondary.

Yes, Travel Guard insurance covers instances of COVID.

The time it takes for you to receive a refund for a claim will depend on a variety of factors. It’s best practice to provide as much information as possible when submitting the claim to make the process go smoothly. You can also check the status of your existing claim

» Learn more: Is travel insurance worth it?

Travel Guard offers several trip insurance plans with varying degrees of coverage. Some plans also allow you to purchase optional upgrades such as CFAR and auto rental coverage. Plan availability differs by state, so make sure you input your trip details to see what plans are available to you.

If you have a premium travel credit card , you may already have some elements of travel insurance coverage included for free. Before you decide to purchase a comprehensive policy, check what coverage you may already have from your credit card.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Password Management

AIG Travel Guard Insurance Plans

Top-of-the-line travel insurance plan coverage that sets the standard

• Most coverages standard
• Highest benefit limits
• 24/7 emergency assistance

Travel insurance plan with superb coverage and service from start to finish

• Comprehensive coverage
• Optional add-ons

Total package – many coverages included on the base plan

• Includes the Adventure Sports Bundle
• Highest benefit limit for medical expense coverage

Savvy coverage for the budget-minded traveler

• Budget-friendly
• Perfect for domestic travel

Trip Details

Aig travel guard plans, travel guard deluxe.

The Travel Guard Deluxe plan is our best travel insurance plan with the most coverages, global travel assistance and access to 24/7 emergency travel assistance services.

Travel Guard Preferred

Travel easy with our comprehensive travel insurance plan, the Travel Guard Preferred Plan. With new and expanded coverage, this plan may be the perfect travel companion.

Travel Guard Plus

The total package – many coverages included on the base plan.

Travel Guard Essential

The Travel Guard Essential plan is our budget-friendly travel insurance plan. This plan is perfect for business travel and domestic travel with basic coverages and benefit limits.

No Policies Available

We apologize, you are not eligible for any policies. This may be a result of your trip information or filters you have selected.

Travel Guard plans are customizable to meet your unique travel needs. With a range of benefit limits and optional add-on coverages, you can create the right plan for you. All Travel Guard travel insurance plans come with access to the specialized 24/7 emergency travel assistance support team. You’re never alone when you’re traveling with Travel Guard. Review Travel Guard plan options below or call us to discuss.

Please note: product names will vary in New York state.

Frequently Asked Questions

What do i need to have to purchase an insurance plan online.

• Personal information for all travelers who will be on the policy
• Trip details: dates of travel, destination, initial deposit date, final payment date, and any travel companies you will be using
• Total trip cost and how that cost is broken down per person in your itinerary.

What is initial deposit date?

Initial deposit date is the day on which you made your first payment toward the trip.

Don’t forget! Purchase within 15 days of your initial deposit date and early purchase benefits may apply.

When is it too late to buy travel insurance?

Can i get travel insurance if i am not on a cruise, tour, or traveling by plane, if i use frequent flyer miles to purchase a ticket, do i include the regular cost of the ticket as part of my trip cost, can i put non-family members on my plan, what else is offered with the purchase of a travel guard plan, what do i need to know about pre-existing medical conditions and the coverage through travel guard.